Credit News and Advice

American Express Costco True Earnings card offers $25 sign-up bonus

Get a $25 cash sign-up bonus when you apply for the Costco True Earnings reward credit card from American Express and make your first purchase. Full Article »

American Express lowers interest rates on consumer Blue and Clear credit cards

American Express announced Monday lower minimum standard interest rates on its Blue, Blue Cash, Blue Sky, and Clear credit cards for consumers. Full Article »

Default interest rates on credit cards going up

As the economy continues to lag, credit card banks are suffering as more and more cardholders pay late—or simply don’t pay at all. How do credit card companies compensate for money its customers don’t pay back? By raising fees and interest rates. One of the most profitable income sources for credit card companies is the “default APR”, or the higher interest rate the bank charges you when you make a late payment. Full Article »

Chase Business Rebate Visa gives 0% on balance transfers for 15 months

Need to transfer a high-rate balance? The Chase Business Rebate Visa is one of the best deals going right now with a no-annual fee, 15-month 0% balance transfer promotion. Full Article »

Discover More Card offers great gas rebate

As fuel prices rise, credit cards offering gas rebates, gas rewards, or cash back on gas purchases are looking like a better and better deal. While some credit cards provide specific gas rewards, other rewards cards change their rewards policies from time-to-time. One such card that recently introduced a great gas rebate program is the Discover More Card. Full Article »

How do I upgrade a Citi Platinum Select credit card to a card with rewards?

If you have a Citibank credit card that does not offer rewards, such as the Citi Platinum Select or Citi Diamond Preferred cards, upgrading to a rewards card is usually pretty simple. Just call the customer service number on the back of your Citibank credit card and tell the customer service representative you would like to switch cards. Full Article »

Why did my credit card drop my credit limit?

Credit card companies can reduce, or drop, your credit limit at any time for a number of reasons. Full Article »

Credit cardholders’ “bill of rights” coming to Capitol Hill

With proposed legislation dubbed the Credit Cardholders’ “Bill of Rights”, New York Congresswoman Carolyn Maloney is hoping to reign in a number of credit card industry practices hurting U.S. consumers. Full Article »

Why your credit score is so important

Your credit score, or FICO score, doesn’t just determine whether or not you will get approved for a new credit card. Most importantly, your credit score determines what interest rates you will pay for every penny you borrow, whether it’s a car loan, credit card, or mortgage. Think your credit score doesn’t matter? Think again. Full Article »

How to talk to your credit card company

We’ve all been there — stuck on the phone with a customer service rep at a credit card company who seems to offer absolutely no help whatsoever. Whether we are calling because we want a credit limit increase, our card was declined, we want to lower our interest rate, or we are trying to clear up a late fee or interest rate increase. Here are some tips for talking with your credit card company to make sure you get the treatment you deserve, not the customer service runaround. Full Article »

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